Credit cards for bad credit

We recommend these cards from our partners.
CK Editors’ Tips††: If you have bad credit, the right credit card can help you improve your financial situation while it provides crucial access to credit. Look for cards that can help set you up for success over the short and long terms.
Read more
What to consider when choosing a credit card for bad credit
Ideally, a credit card for bad credit serves as a stepping stone to more and better features on a future credit card. Try to find the card with features that can set you up for credit success — low fees, relatively high minimum credit limits, and bonuses for on-time payments like automatic reviews for credit limit increases. Also, while rewards can be nice to have on these cards, you probably shouldn’t look at them as the main draw.
How we picked the best credit cards for bad credit
Our picks for the best credit cards for bad credit all offer chances to build credit and set yourself up for financial success. First, we focused on cards that offered flexible requirements for approval. From there, we zeroed in on useful features when building credit, like high minimum credit limits, opportunities to graduate from a secured card to an unsecured card, and rewards that don’t come with high annual fees. Read more about our methodology for picking the best credit cards.
Jump to editors’ picks

Great for access to unsecured credit††
Milestone® Mastercard®
Continue

Milestone® Mastercard®

Great for access to unsecured credit††

Milestone® Mastercard®

  • Regular purchase APR

    24.90%
  • Annual fee

    $75 the first year; $99 thereafter
Regular purchase APR

24.90%

Annual fee

$75 the first year; $99 thereafter

Great for automatic credit limit increases††
Credit One Bank® Platinum Visa® for Rebuilding Credit
Continue

Credit One Bank® Platinum Visa® for Rebuilding Credit

Great for automatic credit limit increases††

Credit One Bank® Platinum Visa® for Rebuilding Credit

  • Rewards rate

    1%
    Cash back
  • Annual fee

    $75 for the first year, $99 thereafter
Rewards rate

1% Cash back

Annual fee

$75 for the first year, $99 thereafter

Great for access to unsecured credit††
Indigo® Mastercard®
Continue

Indigo® Mastercard®

Great for access to unsecured credit††

Indigo® Mastercard®

  • Regular purchase APR

    24.90%
  • Annual fee

    $75 the first year; $99 thereafter
Regular purchase APR

24.90%

Annual fee

$75 the first year; $99 thereafter

Great for no credit check††
OpenSky® Secured Credit Visa® Card
Continue

OpenSky® Secured Credit Visa® Card

Great for no credit check††

OpenSky® Secured Credit Visa® Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    25.64%* Variable
  • Annual fee

    $35
Min. deposit

$200 Refundable

Regular purchase APR

25.64%* Variable

Annual fee

$35

Great for a low purchase APR††
First Progress Platinum Select Mastercard® Secured Credit Card
Continue

First Progress Platinum Select Mastercard® Secured Credit Card

Great for a low purchase APR††

First Progress Platinum Select Mastercard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    19.24%* Variable
  • Annual fee

    $39
  • Rewards rate

    1%
    Cash back
Min. deposit

$200 Refundable

Regular purchase APR

19.24%* Variable

Annual fee

$39

Rewards rate

1% Cash back

Great for a lower security deposit††
Capital One Platinum Secured Credit Card
Continue

Capital One Platinum Secured Credit Card

Great for a lower security deposit††

Capital One Platinum Secured Credit Card

  • Min. deposit

    $49, $99 or $200
    Refundable
  • Regular purchase APR

    30.74% (Variable)
  • Annual fee

    $0
Min. deposit

$49, $99 or $200 Refundable

Regular purchase APR

30.74% (Variable)

Annual fee

$0

Great for a low purchase APR††
First Progress Platinum Prestige Mastercard® Secured Credit Card
Continue

First Progress Platinum Prestige Mastercard® Secured Credit Card

Great for a low purchase APR††

First Progress Platinum Prestige Mastercard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    15.24%* Variable
  • Annual fee

    $49
  • Rewards rate

    1%
    Cash back
Min. deposit

$200 Refundable

Regular purchase APR

15.24%* Variable

Annual fee

$49

Rewards rate

1% Cash back

Great for prior bankruptcies††
First Progress Platinum Elite Mastercard® Secured Credit Card
Continue

First Progress Platinum Elite Mastercard® Secured Credit Card

Great for prior bankruptcies††

First Progress Platinum Elite Mastercard® Secured Credit Card

  • Min. deposit

    $200
    Refundable
  • Regular purchase APR

    25.24%* Variable
  • Annual fee

    $29
Min. deposit

$200 Refundable

Regular purchase APR

25.24%* Variable

Annual fee

$29

Great for access to credit††
Merrick Bank Secured Credit Card
Continue

Merrick Bank Secured Credit Card

Great for access to credit††

Merrick Bank Secured Credit Card

  • Regular purchase APR

    22.70%* Variable
  • Annual fee

    $36 the first year. Billed $3 per month thereafter
Regular purchase APR

22.70%* Variable

Annual fee

$36 the first year. Billed $3 per month thereafter

Great for automatic credit limit increases††
Credit One Bank® Platinum Visa®
Continue

Credit One Bank® Platinum Visa®

Great for automatic credit limit increases††

Credit One Bank® Platinum Visa®

  • Rewards rate

    1%
    Cash back
  • Annual fee

    $39
Rewards rate

1% Cash back

Annual fee

$39

More cards by category
Shop all cards
†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.